MONI is available for everyone in Europe. All you need is a local address and a phone number.

Superpowers to your money

Your MONI Prepaid Mastercard® is paired with a powerful app that gives you a smart overview of all your finances.

Your MONI Prepaid Mastercard works everywhere!

The MONI Prepaid Mastercard is paired with the MONI app to make sure that you are always in charge of your money. Top up your balance from any credit or debit card, receive your salary to your MONI and shop anywhere, online or in-store. No existing bank account or credit history is needed to sign up to MONI.

Send money to friends in real time!

MONI is for many. Sending money between MONI accounts is always instant and cost-free. It doesn’t matter how far your friend or family member might be! Transfer money with MONI now and in seconds the money will be available on their MONI account.

Lend and borrow money without cost or interest

Everyone needs a little help every now and then. With MONI you can easily grant and request loans between friends and family interest and cost free. Granted loans appear on your MONI balance in real time. Keep track of who owes who and pay each other back when you can.

Get instantly notified of each transaction

MONI informs you all your transactions, payments and loans. No more nasty surprises at the end of the month when checking your card bills. A real time overview puts you in charge of your money. Top up your MONI balance and be ready to spend, instantly.

Receive salary directly to your MONI account

Paying and receiving salaries has never been easier. Give your MONI account info to your employer and get instantly notified when your paycheck comes in. You can also top up your MONI account balance from any debit or credit card and receive money to your account via wire transfer.

Choose the safer choice while traveling

Travel with only one card in your wallet. You can connect any other credit or debit cards to your MONI account and simply select which one to top up from. MONI notifies you of each transaction, so you’ll immediately know if someone tries to use your card. If you do lose your MONI card, you can block it yourself from any web browser and unblock it in case you happen to find it again.

MONI works in the Mastercard network so you can pay anywhere in the world. Safe and simple!

Download the MONI app

Get your own MONI in 30 seconds!

We are here to help!

MONI is now live in Europe!

If you want to have your banking services accessible 24/7 on your mobile phone, a globally accepted card for payments, if you think setting up a modern banking account shouldn’t take more than a few minutes, and being able to send money to friends and family should be cost and interest free, then MONI is for you.